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fha: Huntsman's Departure Highlights Politics of Housing Finance - 01/17/12 09:52 AM
MORTGAGE LOCK ADVISORY
January 17, 2012, 6:45 AM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.05 point.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORS
National Average Fixed Rate Mortgage 3.89% MBS (3.5%) - 103.07, High: 103.11, Low: 103.02 DJI Stocks currently $12,530.43, Up $108.37, Change 0.865% Asian & … (1 comments)
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fha: NAHB: List of Improving Housing Markets Nearly Doubles in January - 01/16/12 11:26 AM
MORTGAGE LOCK ADVISORY
January 16, 2012, 8:00 AM PST
Click for Lock Advice Updated Several Times Daily
Markets are Closed Today In Honor of Martin Luther King
Mortgage Interest Rate lock Advice for locks within 7 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities Closed Friday down 0.18 point.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORS
National Average Fixed Rate Mortgage 3.89% MBS (3.5%) - 103.22, High: 103.36, … (0 comments)
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fha: Zillow Sees New Record Lows for Mortgage Rates - 01/11/12 09:50 AM
MORTGAGE LOCK ADVISORY
January 11, 2012, 6:45 AM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.01 point. The 0.34 decrease in MBS prices from yesterday to today was due to the MBS market moving from a January to a February coupon and does not effect points.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to … (0 comments)
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fha: No Excuses... Just Appointments - 01/10/12 09:50 AM
MORTGAGE LOCK ADVISORY
January 10, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are the up 0.03 point. MBS are seriously overbought and the market could reverse in the next couple of days.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORS
National Average Fixed Rate … (0 comments)
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fha: RATE LOCK & MARKET ADVISORY - January 9, 2012 - 01/09/12 06:20 PM
MORTGAGE LOCK ADVISORY
January 9, 2012, 3:00 PM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities closed down 0.07 point. MBS are seriously overbought and the market could reverse in the next couple of days.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORS
National Average Fixed Rate Mortgage 3.91% … (0 comments)
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fha: AM RATE LOCK & MARKET ADVISORY - January 6, 2012 - 01/06/12 10:00 AM
MORTGAGE LOCK ADVISORY
January 6, 2012, 6:45 AM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.01 point.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORSNational Average Fixed Rate Mortgage 3.95% MBS (3.5%) - 102.92, High: 103, Low: 102.72 DJI Stocks currently $12,372.41, Down $-43.29, Change -0.35% Asian & … (0 comments)
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fha: Bernanke calls for nationwide REO rental program - 01/05/12 11:27 AM
MORTGAGE LOCK ADVISORY
January 5, 2012, 8:00 AM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are up 0.03 point.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORS National Average Fixed Rate Mortgage 3.95% MBS (3.5%) - 102.81, High: 102.86, Low: 102.66 DJI Stocks currently $12,372.26, Down $-46.16, Change -0.373% Asian & European … (3 comments)
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fha: AM RATE LOCK & MARKET ADVISORY - January 4, 2012 - 01/04/12 09:48 AM
MORTGAGE LOCK ADVISORY
January 4, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are Down 0.11 point.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORS National Average Fixed Rate Mortgage 3.91% MBS (3.5%) - 102.93, High: 102.94, Low: 102.81 DJI Stocks currently $12,373.77, Down $-23.61, Change -0.191% Asian & … (0 comments)
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fha: AM RATE LOCK & MARKET ADVISORY - December 30, 2011 - 12/30/11 09:42 AM
DAILY MORTGAGE LOCK ADVISORY
December 30, 2011, 6:45 AM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: FLOATMortgage Points based on 3.5% Mortgage Backed Securities are down 0.18 point.
30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORS
National Average Fixed Rate Mortgage 3.91% MBS (3.5%) - 102.88, High: 102.92, Low: 102.69 DJI Stocks currently $12,267.81, Down $-19.23, Change -0.157% Asian & European … (0 comments)
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fha: AM RATE LOCK & MARKET ADVISORY - December 2, 2011 - 12/02/11 09:41 AM
DAILY MORTGAGE LOCK ADVISORY
December 2, 2011, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily
Mortgage Interest Rate lock Advice for locks within 7 days: LOCKMortgage Points based on 3.5% Mortgage Backed Securities are up 0.11 point.
30 Day Mortgage Interest Rate Lock or Float Advice: LOCK3.5% MBS price has repeatedly tried and failed to break above the long term resistance level of 102 and is now heading in the wrong direction. In this uncertain market the best advice is to lock at historic low rates.
MORTGAGE MARKET INDICATORS National Average Fixed Rate Mortgage … (0 comments)
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fha: FHA Home Mortgage Loans in San Diego - UFMIP - 11/30/11 09:19 AM
FHA Home Mortgage Loan in San Diego - UFMIP
FHA Mortgage Insurance Premiums (MIP)FHA (Federal Housing Administration) charges Mortgage Insurance Premiums (MIP) to protect the lender in the event of default. They are collected by the lender and then forwarded to FHA.
There are two types of MIP. charged on FHA loans. Up Front Mortgage Insurance Premium (UFMIP) and Monthly Mortgage Insurance Premium MIP.
UFMIP is currently a fixed amount and was expected to become a variable amount based on the borrowers credit and loan to value in late 2009. Actually, Risk Based UFMIP was intiated in July 2008 then placed on a … (8 comments)
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fha: Escondido Mortgages - 08/10/10 10:12 AM
Escondido Mortgages
When shopping for Escondido Mortgages let Bill Ladewig's Experience be your Advantage
FHA & VA Mortgage Specialist since 1970 FHA & VA Lender Consultant FHA & VA Mortgage Trainer FHA 203k Rehabilitation Loan Expert Energy Efficient Mortgages (EEM) Certified CalVet Mortgage Counselor Mortgage Software Designer Since Bill began in the mortgage industry he has closed several thousand FHA and VA Mortgages and provided online mortgage training for hundreds of Loan Officers and Real estate agents,
Bill also publishes a free Escondido Mortgage Rate Lock Advisory every morning. The Escondido mortgage Adviser arrives in you email before 7:00 AM PT it provides a rate Lock Advisory and … (0 comments)
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fha: San Diego FHA and VA Home Mortgages - 10/16/09 12:07 PM
San Diego FHA & VA Home Mortgages
FHA mortgage Loans offer 96.50% financing for all qualified borrowers and can be used many times. FHA mortgage loans are insured by HUD with Mortgage Insurance paid by by the borrower. There are two insurance premiums; up front mortgage Insurance (UFMIP) and monthly (MIP). UFMIP is a one time premium typically financed in the loan. MIP can be removed when the loan has seasoned for five years and the loan to value is 78% or less, based on the original appraisal.
VA mortgage Loans offer qualified veterans 100% financing and can be used over and over … (1 comments)
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fha: FREE MORTGAGE CALCULATOR - Don't Leave Home Without It - 09/19/09 07:59 PM
FREE MORTGAGE CALCULATOR
This is Really Easy to Use CALCULATES
APR for Fixed Rate and ARMs Calculates Monthly MIP and MI Monthly Amortized Mortgage Payment Monthly Interest Only Payment - and the Increased Payment when it becomes Amortized Finds Interest Rate Current balance on existing loans. Compares Payments for different rates for the same loan amount. Shows Effect of making an Extra Monthly Payment Click to Download Free Mortgage Calculator
Bill Ladewig
800.664.7283 (SAVE)
Bill@yourfhaguru.com
San Diego FHA and VA Home Loans Escondido Mortgages Escondido Localism San Diego FHA and VA Home Loans San Diego Localism San Diego … (7 comments)
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fha: Bill Ladewig California Mortgages - 09/01/09 01:12 PM
Bill Ladewig California Mortgages
My Experience is Your Advantage
FHA & VA Mortgage Specialist since 1970 FHA & VA Lender Consultant FHA & VA Mortgage Trainer FHA 203k Home Rehabilitation Loan Expert Certified CalVet Loan Officer CalHFA Home Loans Bill has been in the mortgage industry since 1970 as a FHA and VA home loan originator, branch manager, Mortgage Company Owner, Mortgage Consultant and Instructor. Bill began his mortgage career in Orange County and made North San Diego County his home in 1985.
During this time Bill has originated and closed several thousand FHA and VA Mortgages and conducted on-line mortgage training … (0 comments)
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fha: Escondido FHA and VA Home Mortgage Loans - 08/18/09 05:35 PM
Escondido FHA and VA Home Mortgage Loans
When Shopping for a mortgage in Escondido let Bill Ladewig's Experience be Your Advantage
FHA and VA Home Loan Specialist since 1970 FHA and VA Lender Consultant FHA and VA Mortgage Trainer FHA 203k Rehabilitation Loan Expert Certified CalVet Home Loan Officer In 1970, Bill left his position as a Vons Grocery Company store manager and began his mortgage career. Beginning as a home loan originator then advanced to Mortgage Company branch manager, Mortgage Company Owner, Mortgage Consultant and Instructor. Bill began his career in Orange County and in 1985 he moved his mortgage business to Escondido in … (0 comments)
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fha: FHA Buy and Bail Rule - 08/08/09 02:59 PM
FHA Buy and Bail Rule
Because of the recent increase in homeowners purchasing another home and claiming they will rent their existing home then allowing the existing home to go into foreclosure; a new term has emerged "Buy and Bail" To halt Buy and Bail fraud FHA and Fannie Mae have enacted new rules.
CONVERTING AN EXISTING HOME TO A RENTALFHA now requires buyers who are legitimately purchasing a home and converting their existing home to a rental either qualify for both loans or have 25% equity in their present home. Fannie Mae previously instituted their own Buy and Bail rule.
EXCEPTION:Relocations: … (17 comments)
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fha: Design the Perfect FHA Loan - 05/11/09 07:09 PM
Free On-Line Class
Design the Perfect FHA Loan
Close on time, everytime Eliminate turndowns Friday, May 15th 9:30 to 10:30 AM
… (0 comments)
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fha: Not all lenders are on board with the increased loan amounts - 02/24/09 05:45 PM
Most people are now aware Conforming loan limits have just been increased to $729,750 in high cost counties.
That is the good news, the other news is that most lenders will require a between a week, up to four weeks to implement the new amounts into their systems.
See the new limits at: http://www.yourfhaguru.com
… (0 comments)
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fha: Bill Ladewig's AM Market Brief - 12/11/08 10:02 AM
December 11, 2008, 8:00 AM PSTFannie Mae Mortgage Backed Securities Down 49.3 basis points (bps) to 4.519%*A Basis Point is 1/100 of 1.00%
Advise to LockRates are coming out of an historic "Oversold" condition and still my best advice is to LOCK. This is a tough call in light of the rumors from the Department of Treasury that they will incentive banks to lower the rate to 4.50%. But, I learned a long time ago about the "bird in hand"
DJI Stocks Down 9.64 -0.11%European and Asian Markets Up 0.14%
10 Year Treasury is currently 2.63%
Crude Oil Currently $47.05 per … (0 comments)
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Bill Ladewig Your FHA Guru - FHA and VA Loans Since 1970
Escondido,
CA
More about me…
Address: San Diego, Escondido, Vista, San Marcos, Oceanside, Rancho Bernardo, Poway, Scripps Ranch, Penasquitos, Shadowridge, Rancho Del Oro, Escondido, CA, 92025
Office Phone: (866) 204-9733
Cell Phone: (760) 685-0480
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Daily rate lock advice, mortgage market updates and information about new and existing mortgage loans.;)
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